5 star experience depending on YOU If you pay off your balance within the 100 day window it’s great service. I needed money for car repairs the day of and it was approved. Plenty of locations in my area accepted SNAP. If you end up having to pay after the 100 days then the interest amount is somewhat predatory. Agents and customer service reps were helpful. Overall I had a good experience.

I recommend paying within the first 100 Days. No penalty or interest, only a $30 transaction of convenience fee. They made my payment go through so quickly when I called from the store I sign up with (Big O’Tries) it took 10 mins to verify who I was but once they did, I was able to get out of the store quickly with the help from the other side of the phone. I give this a 5 star review because I payed before the 100 DAY PAYMENT OPTION. I do not recommend the 12month payment plan because you will end up paying 2x your money from what you barrowed. Example $376 over 12 months will come out to $752 please don’t not do this as this is how they steal your money.

Would not recomend If you in a bind and need money now then yes SNAP will help. It wasn't what I expected though. Meaning it wasn't money to your account to use how needed. but that was besides the point. My issue was my car, over 2k worth of work needed to be done. I felt like I had no choice but to get that car fixed because dealerships wanted at least 1500 down. I didn't have that, obviously lol. the mechanic where I was getting the work done told me about SNAP. I was approved for 2500, work cost 2187.81, I only did 1800$ with SNAP and then paid rest in cash. what I didn't know is that the 1800 from SNAP was going to turn into a total over 4500$. This "lease cost" was over 2800$. I did get a new car a few months later, it was hassle free and little to no money down. If I had known how easy it would have been for me to get a new car rather than using snap and fixing my old car i would have just gone with the new car. SNAP is not worth it based on the amount of money you pay back at the end of the day. a 1800$ loan turns into 4500$. 10/10 do not recomend SNAP

Do not give them your bank information… Do not give them your bank information for automatic payments! They will continue to charge you after you have paid off your balance and then will make a litany of excuses for not refunding the money. The account is in my fiance's name but the payments came out of my bank account so you have my information as well. On Monday of this week, you promised him we would have the refund in my account within 2 days. It's now Thursday and still no refund. I guess it's time to get our lawyer involved.

Everyone should know about snap! I love snap. They make life way easier when you have financial problems. I use them when I get work done on my car.